Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13828357
Complaint Overview
Complaint ID: 13828357
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Louisiana
ZIP Code: 70810
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing numerous hard inquiries on my Equifax credit report that I did not authorize individually. Most are clustered around car dealership financing applications, but I never gave permission to share my information with this many third-party lenders. I submitted a written dispute asking Equifax to validate each inquiry and provide proof of my consent under FCRA 604, but no such documentation was provided. Per FCRA 611, Equifax must investigate disputed entries and remove those that can not be verified. I request the removal of all unauthorized and unverifiable hard inquiries immediately and expect a revised credit report reflecting these deletions.
Frequently Asked Questions
What is Complaint #13828357 about?
Complaint #13828357 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-05-31T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.